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    SEC Form 13F-HR filed by Arrow Financial Corporation

    2/14/25 4:39:14 PM ET
    $AROW
    Major Banks
    Finance
    Get the next $AROW alert in real time by email
    SEC FORM 13F-HR

    The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
    The reader should not assume that the information is accurate and complete.

    UNITED STATES SECURITIES AND EXCHANGE COMMISSION
    Washington, D.C. 20549
    FORM 13F

    FORM 13F COVER PAGE

    OMB APPROVAL
    OMB Number: 3235-0006
    Estimated average burden
    hours per response: 23.8

    Report for the Calendar Year or Quarter Ended: 12-31-2024
    Check here if Amendment    Amendment Number:
    This Amendment (Check only one.):    is a restatement.
       adds new holdings entries.
    Institutional Investment Manager Filing this Report:
    Name: Arrow Financial Corp
    Address: 250 GLEN STREET
    Glens Falls, NY  12801
    Form 13F File Number: 028-12533
    CRD Number (if applicable):
    SEC File Number (if applicable):

    The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

    Person Signing this Report on Behalf of Reporting Manager:
    Name: Penko Ivanov
    Title: Chief FinancialOfficer
    Phone: 518-415-4512
    Signature, Place, and Date of Signing:
    /s/ Penko Ivanov Glens Falls,  NY 02-14-2025
    [Signature] [City, State] [Date]
    Report Type (Check only one.):
    X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
       13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
       13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
    Form 13F Summary Page
    Report Summary:
    Number of Other Included Managers: 2
    Form 13F Information Table Entry Total: 486
    Form 13F Information Table Value Total: 1,053,463,041
    (round to nearest dollar)
    List of Other Included Managers:
    Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
    [If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
    No. Name Form 13F File No. CRD No. (if applicable) SEC File No. (if applicable) CIK
    2 GLENS FALLS NATIONAL BANK & TRUST CO /NY       0000902882
    3 North Country Investment Advisers, Inc.       0001401342

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